Integral Financial Modelling®


Why Integral Financial Modelling®

IFM®, Integral Financial Modeling, is an unparalleled software tool developed by Posthuma Partners. IFM® has been scientifically validated by a committee of scientists in The Netherlands. IFM® is internationally recognized and evidence-based: (inter) national clients appreciate our solutions for over 20 years and benefit from the benefits on a daily basis.

  • Analysis and control of your customer portfolio
  • Independent tool for validation according to the requirements of: Solvency II (ORSA), IAS / IFRS 17
  • Cost-effective management control
  • Estimation, validation and predictive power of a portfolio
  • Improving profitability
  • Optimize the portfolio composition
  • Calculate correct damage provision for insurers
  • Review future premiums per risk group
  • Setting up and prognostising the revenue settlement (care)

The advantages of Integral Financial Modelling®

Compliance with regulatory demands

IFM® is an excellent tool for internal and external actuarial certification on annual or quarterly results as needed by IFRS 17 or Solvency II among which ORSA. IFM® can also be fully used for a ‘full-audit’ trail, there is a simple interface with auditor and regulators.

Faster risk management

Smart actuarial and econometric stochastic models ensure faster and better control of insurance risks.

Strong predictive power

A validated prognosis, because of the stochastic structure, which accurately predicts future expenditure.

High quality management information

IFM® provides high quality management information through dynamic financial analyzes. With respect to reserving and working capital requirements.

Stand-alone software

IFM® is stand-alone software, so there is no need for a high-risk system-integration.

Considerable cost-reduction

IFM® reduces the costs of your actuarial and financial departments because a lot of work is done automatically. This gives you the opportunity to improve the capacity of your staff.

Download the IFM® white paper

IFM® is a complete solution. But how does IFM® work, what are the costs and what do customers think? Download the whitepaper for an answer to these questions.

    Examples of parties where our software is used...

    The functionalities of Integral Finance Modelling


    Calculation of estimated claim reserves, risk-adjusted loss and validation of claim reserves.


    Calculation of expected cash flows, scenario analysis with visibility in changes, and estimated expected losses.


    Estimating the net risk premium, capital costs and sensitivity analysis of parameters.

    Data analysis

    Solve missing data, reconstruct negative amounts and determine regime changes.

    Capital allocation

    Required capital per product type, aggregation calculation of diversification and determine insurance risk.

    Mergers & Acquisition

    Portfolio validation, portfolio analysis, control of data in line with product conditions, discover hidden risks and possible divestments of portfolios.

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      Integral Financial Modelling®

      Review insurance portfolios through stochastic modeling. Determine the strategic route and substantiate it with figures.